The Resources

Legacy 72 helps individuals and families clarify retirement goals and understand the financial decisions that may affect retirement income.

Depending on a client’s needs and the licensing of the professional involved, conversations may include insurance-based retirement strategies, annuities, income protection, longevity considerations and other retirement-related topics.

When investment management, tax advice or another specialized service is needed, an appropriately qualified professional should be involved.

Legacy 72 takes a broader, relationship-based approach to financial decision-making. Rather than beginning with an investment or financial product, we begin by asking what the client is trying to accomplish.

From there, we help identify how decisions involving real estate, protection, retirement, family responsibilities and legacy may connect.

Legacy 72 does not replace every financial specialist. When investment management, tax advice, legal services or another area of expertise is required, the appropriate qualified professional should be involved.

You do not need to know exactly what you need before reaching out. Start by telling us what you are trying to accomplish, what has recently changed or what financial question has been on your mind.

Use the Legacy 72 Clarity Conversation form to request a conversation. From there, we can help determine what the next conversation should be.

Legacy 72 helps individuals and families navigate questions involving protection, life insurance, retirement income, homeownership, family transitions and long-term legacy planning.

The exact regulated services available depend on the client’s needs and the licensing and qualifications of the professional providing them.

When a need falls outside that professional’s scope or expertise, the Legacy 72 approach is to identify the appropriate type of qualified professional who should be part of the conversation.

Legacy 72 can help clients begin and organize estate and legacy-planning conversations. That may include discussing beneficiaries, property, insurance, inheritance, family intentions and questions that should be addressed with an estate-planning attorney.

Legacy 72 does not provide legal advice or prepare wills, trusts or other legal documents unless those services are separately provided by an appropriately qualified legal professional.

Begin by clarifying what you need help with. Ask about the firm’s licensing, experience, areas of expertise, compensation, service model and whether its actual scope matches your goals.

Also ask how the firm handles needs outside its expertise. Family financial decisions may involve legal, tax, investment, insurance, lending and real estate questions, and no single professional should claim to replace every specialist.

A responsible professional should explain both the benefits and limitations of a strategy before asking you to make a decision.

A useful recommendation depends on the family’s location, goals, complexity and the type of regulated work required. Rather than relying only on a broad list, verify each professional’s credentials, licensing, disciplinary history, services and compensation structure.

Legacy 72 can provide an education-first place to begin, help organize the questions and identify what type of qualified professional may be appropriate. You always remain free to choose your own professionals.

Indexed universal life insurance, often called IUL, is permanent life insurance that may build cash value based partly on the performance of a market index, subject to the policy’s terms, limits, costs and guarantees.

Some people may use a properly structured policy as one component of a broader protection, retirement or legacy strategy. However, an IUL is first and foremost life insurance.

Policy costs, funding requirements, surrender charges, caps, participation rates, loans and other factors can materially affect long-term results. It is not appropriate for everyone and should be evaluated based on the individual’s goals, financial situation and ability to maintain the policy.

Start by identifying the work you actually need: investment management, retirement planning, insurance, tax strategy, estate planning, business planning or coordination across several areas.

Then review the advisor’s credentials, registrations, experience with families in circumstances similar to yours, compensation structure, fiduciary obligations where applicable and approach to working with attorneys, CPAs and other professionals.

The title alone is not enough. The advisor’s verified qualifications and scope should match the service you are seeking.

The Resources includes general educational information about retirement accounts, insurance strategies and other financial tools that may receive different tax treatment.

Tax rules can be complex and outcomes vary based on individual circumstances. Legacy 72 professionals can help identify questions worth exploring, but individualized tax advice should come from an appropriately qualified tax professional, and individualized investment advice should come from an appropriately registered professional where required.